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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,066 | $44,850-24.0% | $60,547-43.7% | $59,633-42.9% |
| Participation rate | 80.8% | 59.5%+21.3pp | 68.0%+12.8pp | 68.7%+12.1pp |
| Annual return | 0.55% | 1074.14%-1073.6pp | 335.64%-335.1pp | 2041.40%-2040.8pp |
| Employer contribution / active EE | $280 | $1,462-80.9% | $2,419-88.4% | $2,203-87.3% |
| Participant deferral / active EE | $2,035 | $2,230-8.7% | $3,328-38.8% | $3,192-36.2% |
| Admin fee / account holder | $3,378 | $3,635-7.1% | $4,536-25.5% | $4,297-21.4% |